Money Mindset Mastery: Personal Finance and Wealth Building

TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
  • 0.0 (0)
  • Investing
  • Updated Weekly

Money Mindset Mastery is a Canadian personal finance podcast hosted by financial professionals. We blend behavioral finance with practical cash‑flow planning so Canadians can budget better, crush debt, invest smarter, and optimize taxes under CRA rules. Episodes cover RRSP/TFSA/RRIF, CPP/OAS, pensions, annuities, decumulation, tax‑efficient withdrawals, RESP/FHSA, mortgages, retirement income planning, and insurance: life, disability, critical illness, long‑term care. #PersonalFinancePodcast #MoneyMindset #WealthBuilding #InvestingForBeginners #BudgetingTips #FinancialFreedom #DebtPayoffStrat

  1. Sep 22

    #117 | The Ultimate Canadian Decumulation Plan: Turn a Nest Egg Into Reliable, Tax-Efficient Income

    The podcast episode discusses the importance of retirement tax planning, the shift from accumulation to distribution, the risks of market volatility in retirement, tax implications of RIF conversion, the impact of GICs on RIFs, strategies for RIF conversion and tax planning, the role of non-registered accounts in retirement planning, and liquidity and control in retirement income. The conversation covered a range of financial topics, including TFSA, private equity, annuities, and retirement planning. It emphasized the importance of understanding investment opportunities, tax implications, and the role of different financial instruments in retirement planning. Takeaways Retirement tax planning is crucial for managing the transition from accumulation to distribution.Market volatility in retirement poses significant risks, especially in relation to RIFs and GICs.Strategies for RIF conversion and tax planning should be tailored to individual needs and goals. TFSA offers flexibility for emergency funds and investmentsUnderstanding the tax implications of different financial instruments is crucial for retirement planning Chapters 00:00 Podcast Introduction and Return from Break02:43 The Importance of Retirement Tax Planning04:12 The Shift from Accumulation to Distribution06:22 The Risks of Market Volatility in Retirement10:33 Tax Implications of RIF Conversion12:41 The Impact of GICs on RIFs13:08 Strategies for RIF Conversion and Tax Planning27:21 The Role of Non-Registered Accounts in Retirement Planning35:07 Liquidity and Control in Retirement Income37:05 Understanding TFSA: A Flexible Investment Opportunity37:53 TFSA as an Emergency Fund and Investment Account39:09 Naming a Successor Holder vs. a Beneficiary on a TFSA41:25 Private Equity and Private Credit for Cash Flow44:02 Non-Registered GICs and Compounding Tax Problems46:50 Annuities and Guaranteed Income Solutions50:32 Hybrid Solution: Empire Life's Class Plus 3.053:34 Planning for Retirement and Tax Implications

  2. Jun 23

    #116 | Train Like an Athlete, Think Like an Investor

    The episode explores the intersection of high performance principles in sports, business, and finance, with a focus on coaching and mindset mastery. The conversation delves into the journey of an ex-professional athlete turned performance coach and the importance of talent, hard work, and humility in achieving elite performance. It also discusses the evolving role of coaching and the impact of digital transactions on financial appreciation. The conversation covers topics related to financial wellness, performance under pressure, and the importance of investing in oneself. It also delves into the significance of coaching and the analogy of golf clubs and performance in the financial industry. Takeaways Peak performance principles apply to sports, business, and finance.Talent combined with hard work is essential for elite performance.Coaching has evolved to adapt to individual athletes and clients.Digital transactions impact financial appreciation and understanding. Cash flow is crucial for financial successEmbracing pressure and investing in oneself are key to long-term success Chapters 00:00 Impact of Digital Transactions on Financial Appreciation36:35 Preparing for Financial Corrections41:36 Stress, Burnout, and Recovery50:25 Seeking Help and Financial Coaching56:45 The Analogy of Golf Clubs and Financial Performance

  3. Jun 8

    #115 | The Boring Businesses Quietly Paying Investors - Newlook Industrial & Infrastructure Fund

    The conversation delves into New Look and the Infrastructure Services Fund, Kyle's background, the founders and management team, alignment and profit sharing, essential services and business size, recession-resilient businesses, investment criteria, code-mandated regulatory stability, the impact of COVID-19, investment objectives and consistency, target returns and risk perspective, assets under management, and investment eligibility including registered account eligibility and asset transfer. The conversation covers various aspects of private investments, including understanding investment distributions, tax efficiency, risk management, currency and government risks, dealing with illiquidity, long-term investment considerations, private investments and portfolio diversification, the role of TVH Group and multi-licensed advisors, and follow-up and conclusion. Takeaways Investment in essential services and infrastructure provides stability and consistent returns.New Look's investment opportunities are accessible to a wide range of investors, including those with registered accounts. Understanding investment distributions and tax efficiencyManaging investment risks and dealing with illiquidity Chapters 00:00 Introduction to New Look and Infrastructure Services Fund05:17 The Founders and Management Team of New Look11:20 Investment Criteria and Business Growth16:30 Investment Objectives and Consistency24:28 Assets Under Management and Investment Eligibility29:56 Understanding Investment Distributions36:00 Dealing with Illiquidity43:35 Private Investments and Portfolio Diversification53:49 Follow-Up and Conclusion

  4. May 26

    #114 | The Family Money Conversation Nobody Has — Until Someone Dies

    The conversation delves into the importance of family money conversations and estate planning, highlighting the lack of preparation and understanding among individuals. It explores the challenges, complexities, and potential pitfalls associated with inheritance, estate planning, and the role of executors. The impact of probate, tax implications, and the need for clear communication and proper documentation are also discussed. The conversation covers a wide range of topics related to estate planning, including wills, taxes, gifting, liquidity, estate freezes, trusts, and the importance of having a power of attorney. The speakers emphasize the need for open conversations, proper documentation, and coordinated planning to avoid family conflict and ensure a smooth transition of assets. Takeaways Family money conversations and estate planning are crucial for ensuring a smooth transition of assets and minimizing potential conflicts.The lack of preparation, understanding, and clear communication around inheritance and estate planning can lead to significant financial and emotional challenges. Estate planning involves complex considerations such as taxes, gifting, liquidity, and the distribution of assets.Open conversations, proper documentation, and coordinated planning are essential to avoid family conflict and ensure a smooth transition of assets. Chapters 00:00 The Importance of Family Money Conversations22:02 The Role of Executors and Probate30:04 Tax Implications and Proper Documentation36:02 Gifting and Liquidity44:08 Trusts and Estate Freezes53:24 Asset Distribution and Coordination01:02:13 Conclusion and Call to Action

  5. May 5

    #113 | Pavillion - From Tax Pain to Capital Gain: How Flow‑Through Investing Works

    The episode explores tax strategies, flow-through funds, and their tax advantages. Dan Pembleton shares his expertise and insights on the history, investment portfolio, accessibility, and limitations of flow-through funds. Real-life examples of personal and corporate scenarios are discussed, highlighting the tax planning and alternative minimum tax implications. The conversation covers tax benefits and investments, RRSPs and flow-through shares, laddering and tax impact, and information and education. It delves into the complexities of tax benefits, investment risks, estate planning, and the benefits of laddering. The importance of educational tools, advisor consultation, and onboarding for investors is emphasized. Takeaways Flow-through funds offer significant tax advantagesInvestors should seek professional advice to determine eligibility and suitability for flow-through funds Understanding tax benefits and investment risksUtilizing flow-through shares for estate planningImportance of education and advisor consultation Chapters 00:00 Introduction to Tax Strategies07:37 CRA Approval and Government Incentives12:49 Investment Portfolio and Company Selection20:41 Investment Holding and Tax Planning29:28 Tax Benefits and Investments36:01 RRSPs and Flow-Through Shares44:30 Laddering and Tax Impact50:55 Information and Education

  6. Apr 20

    #112 | Smiles, Cash Flows, and Consolidation: The Case for Dental Investing

    The conversation with Kyle from New Look Dental covers the company's background, investment thesis, and operational strategies. It delves into the dental industry's unique characteristics, the concept of dental roll-ups, and the impact of the Canadian Dental Care Plan (CDCP). The discussion also explores the value creation process, the importance of clustering, and the balance between operational improvements and multiple growth. Additionally, it addresses the human side of the business, focusing on patient care and the dentist's experience. The conversation covers the challenges of integrating a new clinic, the role of New Look in clinic integration, the impact of technology, the risks and returns of investing in dental practices, and the unique value proposition of New Look Dental. Takeaways Dental industry's recession resilienceValue creation through operational improvements and multiple growth Clinic integration challengesRole of New Look in clinic integrationImpact of technology in dental practicesRisks and returns of investing in dental practicesUnique value proposition of New Look Dental Chapters 00:00 Balancing Efficiency and Patient Care38:37 Risks and Returns of Investing in Dental Practices46:33 Impact of Technology in Dental Practices52:07 Unique Value Proposition of New Look Dental

  7. Apr 14

    #111 | Why So Many Canadians Feel Broke—Even With a Good Income (And How to Regain Control in 2026)

    Most Canadians with good incomes are feeling broke—and the root causes might surprise you. Despite earning over $100,000 a year, many are struggling financially because of habits, complacency, and unpredictable expenses. In this eye-opening episode of the Money Mindset Mastery Podcast, Jim, Ryan, and Denis peel back the curtain on why "living paycheck to paycheck" isn't just a low-income problem anymore—it's an epidemic across all income levels.Ryan, a seasoned cashflow coach, joins us to reveal how even high earners unknowingly sabotage their financial stability through poor habits like lifestyle creep, untracked spending, and ignoring the real cost of debt. You'll discover concrete tactics to break the cycle, including the power of consolidating high-interest debt into manageable mortgages, mastering behavioral spending triggers, and creating a simple cash flow plan that works in the real world—without deprivation. We break down surprising stats—like 85% of Canadians living paycheck to paycheck—and explore how inflation, rising interest rates, and the pressure to keep up with social media's highlight reel are fueling financial stress for even the most financially savvy. Plus, learn how habits formed during COVID, skyrocketing mortgage renewals, and lifestyle upgrades are creating a perfect storm of financial pressure. This episode is essential listening for anyone feeling overwhelmed by expenses, worried about future debt, or unsure where their money is really going. Whether you're a high earner or just want to avoid financial stress, you'll walk away with actionable steps to take control, strengthen your financial habits, and start sleeping better at night.Ryan Genoe is a certified cashflow coach and financial strategist, known for helping clients create behavioral change around money and build sustainable financial plans. His insights on debt consolidation, spending habits, and behavioral triggers can genuinely transform your financial future. If you're ready to stop feeling broke despite a good income, tune in now. This is the wake-up call you can't afford to miss—your future self will thank you.

  8. Apr 1

    #110 | To Fix or Not to Fix? Rates, Gas Prices, and Your Mortgage in a Shaky Economy

    The conversation covers a range of topics related to the financial landscape, including mortgage rates, inflation, and the impact of geopolitical events on the economy. The speakers provide insights into the current state of the market and offer perspectives on potential future developments. The conversation covers the topic of mortgage rates and the decision-making process between fixed and variable rates. It also delves into the importance of flexibility, planning, and seeking professional advice. The conversation emphasizes the need for individualized decision-making and the impact of economic factors on mortgage rates. Takeaways Mortgage rates are influenced by a variety of factors, including economic conditions, geopolitical events, and central bank policies.Inflation and interest rates play a significant role in shaping the mortgage market, impacting both fixed and variable rates. Mortgage rates: The conversation explores the considerations between fixed and variable rates, emphasizing the importance of individual circumstances.Flexibility and planning: The importance of flexibility and long-term planning in mortgage decisions is highlighted, with a focus on understanding individual goals and life events. Chapters 00:00 Introduction and Speaker Background07:33 Renewals and Historical Comparison of Mortgage Rates20:10 Oil Prices, Geopolitical Impact, and Historical Context25:34 Market Response and Variable Rate Pricing31:15 The Impact of Flexibility and Planning38:22 Renewal and Course Correction49:30 Proactive Mortgage Management59:34 Closing Remarks and Future Topics

See All (117)

About

Money Mindset Mastery is a Canadian personal finance podcast hosted by financial professionals. We blend behavioral finance with practical cash‑flow planning so Canadians can budget better, crush debt, invest smarter, and optimize taxes under CRA rules. Episodes cover RRSP/TFSA/RRIF, CPP/OAS, pensions, annuities, decumulation, tax‑efficient withdrawals, RESP/FHSA, mortgages, retirement income planning, and insurance: life, disability, critical illness, long‑term care. #PersonalFinancePodcast #MoneyMindset #WealthBuilding #InvestingForBeginners #BudgetingTips #FinancialFreedom #DebtPayoffStrat

Information

  • Creator
    TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
  • Years Active
    2024 - 2026
  • Episodes
    117
  • Rating
    Clean
  • Copyright
    © 2026 TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
  • Show Website
    Money Mindset Mastery: Personal Finance and Wealth Building